Wallet Screening API

OnChainRisk provides a wallet screening API for assessing address risk on supported networks. Send an address to receive a 0-100 risk score, risk level, confidence, pattern flags, and explainable risk reasons before deposits, payouts, OTC trades, or P2P settlement.

Who It's For

Payment processors & gateways

Screen the destination wallet before releasing a merchant payout.

OTC desks

Check a counterparty wallet before settling a trade.

P2P platforms

Review a counterparty address before a trade clears, including USDT-TRC20 flows.

Exchanges

Add a wallet risk check to withdrawal or deposit review.

Compliance teams

Automate a first-pass wallet risk review and route elevated risk to a human.

The Screening Workflow

Payout or settlement request

A user requests a payout, or a counterparty is about to settle. You have the destination/counterparty address.

Wallet screening API call

Call the API with the address; the network is detected from the address format. EVM addresses default to Ethereum, so specify the network for other EVM chains (e.g. Polygon, BSC, Arbitrum). Sandbox-first: test the call with a sandbox key before production.

Review the risk score & signals

Read the 0-100 risk score, pattern flags, fund-flow exposure, counterparties/labels where available, and sanctions checks where supported.

Approve, review, or escalate

Auto-approve low-risk addresses, route elevated risk to manual review, and hold or escalate high-risk ones — before funds move.

Screening request & response

Send an address to POST /api/v1/check with your API key. The same call works with a sandbox key (ocr_test_) or a paid key. Only address is required; pass network to disambiguate non-Ethereum EVM chains.

Request

curl -X POST https://api.onchainrisk.io/api/v1/check \
  -H "Authorization: Bearer ocr_test_your_sandbox_key" \
  -H "Content-Type: application/json" \
  -d '{"address": "0xA0b86991c6218b36c1d19D4a2e9Eb0cE3606eB48"}'

Example response — low-risk address, from the API reference

{
  "address": "0xA0b86991c6218b36c1d19D4a2e9Eb0cE3606eB48",
  "network": "eth",
  "riskScore": 5,
  "riskLevel": "low",
  "patternFlags": []
}

A screening response can include riskScore (0-100) and riskLevel, riskConfidence, patternFlags (with index-aligned patternFlagDetails), ranked riskReasons, and topCounterparties. Sanctions-related signals may be included where supported; see the API reference for the current response fields. These are risk signals to support your review — not a guarantee. See the full blockchain analytics API and API reference for every endpoint, field, and language example.

How is a wallet's risk score calculated?

The 0-100 score reflects on-chain analysis of the address, including its transaction activity, observed risk signals, labels, and exposure to higher-risk counterparties where supported. It is a risk signal to support your review, not a deterministic or exhaustive verdict, and the available evidence varies by network. See the API reference for the current fields returned with each score.

Network coverage

Multi-chain coverage is in active rollout. Availability and historical completeness vary by network — see the live coverage matrix and methodology for current per-network status.

USDT-TRC20 / TRON payout flows

USDT-TRC20 is common in payout and counterparty flows, so screening T-addresses before a payout or settlement is a frequent need. The API scores Tron addresses and reviews USDT-TRC20 counterparties alongside other networks. See the Tron wallet checker for the TRON-specific view.

Try It Before You Wire It In

Sandbox-first: create a free sandbox API key (prefixed ocr_test_), test your integration against real endpoints, then upgrade to a paid key for production. No sales call required.

Create a free sandbox key

Frequently Asked Questions

Can I screen a wallet before a payout via API?

Yes. Call the API with the destination or counterparty address and read the 0-100 risk score and signals before funds move, so you can approve, route to manual review, or escalate. Sandbox-first: test with a free sandbox key first.

Does it check sanctions?

Sanctions checks are applied where supported — coverage varies by network, and a clear result is not a guarantee. Matches surface as risk signals in the response.

Does it work for USDT-TRC20 / TRON?

Yes. Tron is supported, and USDT-TRC20 counterparties are reviewed alongside other networks — useful since USDT-TRC20 is common in payout and counterparty flows.

Does this replace my compliance or KYT program?

No. OnChainRisk surfaces risk signals to support your review. It is not a guarantee that a wallet is clean, not legal advice, and not a full compliance or KYT program replacement. Use it alongside your own process.

OnChainRisk surfaces risk signals to help you review wallets before funds move. It is not a guarantee that a wallet is clean, not legal advice, and not a full compliance or KYT program replacement. Sanctions checks apply where supported; coverage varies by network.